Universal Loan Officer

Gate City Bank•Alexandria, MN

18d•$25 - $30

About The Position

Be Part of Something Greater. At Gate City Bank, we exist to make lives better, For A Better Way of Life. As a community‑first, customer‑focused financial institution, we’re proud to help our neighbors open the door to homeownership every day. We’re searching for an energetic, relationship‑driven Universal Loan Officer who’s passionate about building connections, supporting our communities, and delivering exceptional mortgage expertise with genuine care. If you’re motivated, knowledgeable, and thrive in a people‑centered environment, this is your opportunity to join a team that invests in YOU. Comprehensive Benefits: All full-time team members, and qualified part-time team members are eligible for a variety of benefits, including, but not limited to: Medical, dental, and vision insurance options. 401(k) with dollar for dollar match up to 6%. Paid Time Off and wellness benefits. Additional compensation opportunities, including quarterly incentives. All other benefits can be located at gatecity.bank/careers. Base Pay: $25-$30/hr. Commission opportunities available; earnings vary based on individual production. What You'll Do: The Universal Loan Officer prospects, establishes and maintains relationships with customers, all referral partners including realtors, vendors, and contractors by providing mortgage lending product and service expertise to meet and exceed established lending goals and staying within established lending limits, ensuring loan quality, and growth for the Bank.

Requirements

Bachelor’s degree (B.A.) from a four-year college or university preferred
3-5 years related (sales) experience
Strong oral and written communication skills.
Interpret and use data for decision making.

Responsibilities

Solicit and sell 1 - 4 family loans through self-motivated marketing efforts that may include participation in sales calls, home-buyer seminars, Realtor and Homebuilders Association functions, Parade of Homes, Home Shows. An active, involved member of the community that attends community activities.
Interview customers to obtain financial histories including income, assets, investments and debts.
Analyze the customer’s financial information to meet the customer’s needs by: Educating the borrower on the advantages and disadvantages of loan products. Use every customer contact as an opportunity to advise customer about additional services or programs that may benefit them. Always asking the customer for his/her business.
Prepare personal lending and residential loan applications completely, accurately, and in compliance with Federal guidelines and Gate City Bank’s policies and procedures.
Approve personal loans within approval limits, and if appropriate, forwards higher values for approval.
Investigate and close all approved loans in accordance with Federal guidelines and the Bank’s policies and procedures.
Assist loan origination staff with the process of loans. Act with a sense of urgency in responding to required documentation.
Consistently inform and sell customers on credit life and disability insurance and GAP insurance.
Expected to secure liens on mortgages, titles, and UCCs.
Meet established personal production goals and assists in the achievement of all the Bank’s annual goals.
Prospect, build, and maintain relationships with real estate brokers, local builders and contractors, and other sources for a continued source of production.
Demonstrate knowledge of all current policies, procedures, and compliance pertaining to personal and mortgage loans, including CRA.
Provide a “Wow” customer service experience for team members and customers.
Develop and maintain productive relationships with team members, leaders, customers, and vendors.
Prompt and reliable attendance is essential in order to provide expected levels of service.
Must comply with all Gate City Bank policies, procedures, and applicable laws and regulations.
Must be detailed-oriented and maintain high degree of accuracy.
Ability to make decisions in a fast-paced environment.